First State Bank of Bigfork: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 6.4% in Q2 2026 to $4.7M, the biggest move on this page. First State Bank of Bigfork ranks 33rd of 161 Minnesota banks on CET1 ratio, in the upper half at 19.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First State Bank of Bigfork sits 4.15 points higher, at 19.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.22% |
| Tier 1 risk-based capital ratio | 19.22% |
| Total risk-based capital ratio | 20.47% |
| Tier 1 leverage ratio | 11.33% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $13.4M |
| Tier 1 capital | $13.4M |
| Total risk-based capital | $14.3M |
| Total equity capital | $13.2M |
| Risk-weighted assets | $69.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.27% |
| Tangible equity to tangible assets | 11.27% |
| Equity capital to average assets | 11.20% |
| Internal capital growth rate | 8.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $8.5M |
| Retained earnings | $4.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$147K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.30% | — |
| Q4 2023 | — | — | — | 11.31% | — |
| Q1 2024 | — | — | — | 11.29% | — |
| Q2 2024 | — | — | — | 11.35% | — |
| Q3 2024 | — | — | — | 11.57% | — |
| Q4 2024 | 16.42% | 16.42% | 17.67% | 11.48% | $74.8M |
| Q1 2025 | 17.36% | 17.36% | 18.61% | 11.25% | $71.7M |
| Q2 2025 | 17.46% | 17.46% | 18.71% | 11.41% | $71.9M |
| Q3 2025 | 17.60% | 17.60% | 18.85% | 11.39% | $71.9M |
| Q4 2025 | 18.44% | 18.44% | 19.69% | 11.41% | $69.9M |
| Q1 2026 | 18.99% | 18.99% | 20.24% | 11.21% | $69.0M |
| Q2 2026 | 19.22% | 19.22% | 20.47% | 11.33% | $69.6M |
First State Bank of Bigfork regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Bigfork, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of Bigfork profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10991) · FFIEC NIC profile (RSSD 364850)